ZIP 10312 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 10312 (Richmond County, New York) lands at 19/100 — low on DLRadar's public-record scoring. The pressure is most legible in structural risk (42/100), institutional ownership (17/100), mortgage stress (7/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. Environmental exposure also runs high (climate & FEMA risk (90/100), flood (NFIP) exposure (77/100)). On the structural side it scores 42/100, with 2/100 of stress already active.

The peak-phase market in 10312 posted values that rose 4.9% over the year, and 15% higher over three years, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $111,434, median income runs above typical U.S. levels. The poverty rate is 6.4% — low. DLRadar's demographic-stress index for the area reads 35/100. Around 41% of adults hold a bachelor's degree or higher. Population is roughly 63,345 with a median age of 41. There are about 22,697 housing units across 10312. Around 39% of renters are cost-burdened. A median home runs $723,600 here, or 6.3 times local income. The tenure split is 82% owner-occupied to 18% rented. The vacancy rate is 5.2%.

On balance, 10312 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 10312 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 10312 stays directly comparable to neighboring ZIPs and the rest of Richmond County, New York. Every figure is auditable to a public dataset and refreshed on ingest; 10312 shows blanks, not estimates, wherever the record is sparse.

Behind 10312's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 10312 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.